[{"data":1,"prerenderedAt":1006},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america":3,"resources-category-how-to-on-ramp-local-currency-latin-america":721},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":688,"categoryType":6,"compare":6,"contributors":6,"date":689,"description":690,"extension":691,"faq":692,"howto":6,"isBlog":711,"isChangelog":711,"meta":712,"navigation":714,"path":715,"pillar":711,"products":6,"rawbody":716,"role":6,"seo":717,"seoTitle":718,"stem":719,"thumbnail":6,"updated":689,"__hash__":720},"content\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america.md","How to on-ramp BRL, MXN, ARS, and COP into stablecoins: Pix, SPEI, Transfers 3.0, and PSE",null,{"type":8,"value":9,"toc":671},"minimark",[10,14,23,28,47,51,54,94,101,105,108,203,211,215,225,228,231,263,267,276,279,290,294,303,306,328,334,338,347,350,434,437,441,444,467,473,552,555,559,566,570,573,590,593,597,617,621,624,644,648,665],[11,12,13],"p",{},"To on-ramp Latin American currency into stablecoins, the payer sends a local bank payment and the provider converts it: Pix in Brazil, SPEI in Mexico, Transfers 3.0 in Argentina, and PSE in Colombia. Each rail shows the payer something different, needs different payer data, and settles in seconds to minutes. Then USDC or USDT lands in a wallet.",[11,15,16,17,22],{},"Most writing about stablecoins in Latin America covers the other direction: ",[18,19,21],"a",{"href":20},"\u002Fresources\u002Fmore\u002Fstablecoins-local-rails-latin-america","paying out"," to a Pix key or a CLABE. This guide covers money coming in, which is where most integrations hit their first surprises.",[24,25,27],"h2",{"id":26},"key-takeaways","Key takeaways",[29,30,31,35,38,41,44],"ul",{},[32,33,34],"li",{},"Every rail hands the payer a different instruction: a Pix code, a CLABE, a CVU or CBU, or a payment link.",[32,36,37],{},"Instant rails let the on-ramp check who's paying. Expect to collect the payer's tax ID, and for PSE, their full details.",[32,39,40],{},"Mexican, Argentine, and Colombian pesos are often quoted in whole units only. Centavos can get a payin rejected.",[32,42,43],{},"The on-ramp is funded by the payer's deposit, so there's nothing to pre-fund.",[32,45,46],{},"Choose the token and network for where the money goes next, not for where it came from.",[24,48,50],{"id":49},"how-does-a-local-bank-payment-become-a-stablecoin","How does a local bank payment become a stablecoin?",[11,52,53],{},"The flow is the same in every country. Only step 3 changes.",[55,56,57,64,70,76,82,88],"ol",{},[32,58,59,63],{},[60,61,62],"strong",{},"Quote."," Your backend asks the on-ramp to convert an amount of local currency into USDC or USDT for a specific wallet. The quote locks the rate and fees for a few minutes and records who is allowed to pay.",[32,65,66,69],{},[60,67,68],{},"Create the payment."," The on-ramp returns the payment instructions for the rail.",[32,71,72,75],{},[60,73,74],{},"The payer pays."," From their own bank app, using the Pix code, CLABE, CVU, or link.",[32,77,78,81],{},[60,79,80],{},"Match."," The on-ramp detects the deposit and matches it to the quote: amount, payer, reference.",[32,83,84,87],{},[60,85,86],{},"Convert and deliver."," The on-ramp converts the currency and sends the stablecoins on-chain.",[32,89,90,93],{},[60,91,92],{},"Confirm."," A webhook tells your backend the payment is complete.",[11,95,96,100],{},[18,97,99],{"href":98},"\u002Fresources\u002Fmore\u002Fhow-to-integrate-a-crypto-on-ramp-api","Integrating a crypto on-ramp API"," covers the code for each step. The rest of this page is about step 3, rail by rail.",[24,102,104],{"id":103},"which-latin-american-rails-can-fund-an-on-ramp","Which Latin American rails can fund an on-ramp?",[11,106,107],{},"Four rails cover BlindPay's payin side in Latin America.",[109,110,111,133],"table",{},[112,113,114],"thead",{},[115,116,117,121,124,127,130],"tr",{},[118,119,120],"th",{},"Country",[118,122,123],{},"Rail",[118,125,126],{},"What the payer gets",[118,128,129],{},"Payer data on the quote",[118,131,132],{},"Typical arrival on BlindPay",[134,135,136,154,171,187],"tbody",{},[115,137,138,142,145,148,151],{},[139,140,141],"td",{},"Brazil",[139,143,144],{},"Pix",[139,146,147],{},"A Pix code, as copyable text or a QR code",[139,149,150],{},"CPF or CNPJ of the allowed payers",[139,152,153],{},"Up to 5 minutes",[115,155,156,159,162,165,168],{},[139,157,158],{},"Mexico",[139,160,161],{},"SPEI",[139,163,164],{},"A CLABE to transfer to",[139,166,167],{},"None",[139,169,170],{},"Up to 10 minutes",[115,172,173,176,179,182,185],{},[139,174,175],{},"Argentina",[139,177,178],{},"Transfers 3.0",[139,180,181],{},"A CVU, CBU, or alias",[139,183,184],{},"CUIT or CUIL (required)",[139,186,170],{},[115,188,189,192,195,198,201],{},[139,190,191],{},"Colombia",[139,193,194],{},"PSE",[139,196,197],{},"A payment link",[139,199,200],{},"Full name, document, email, phone, bank code (required)",[139,202,170],{},[11,204,205,206,210],{},"Brazil also has TED, a wire-style rail that's slower than Pix, which BlindPay enables per instance. And US payers have their own set: ACH, wire, and RTP, plus SWIFT into a US virtual account. Those are covered in ",[18,207,209],{"href":208},"\u002Fresources\u002Fmore\u002Faccept-bank-transfers-settle-in-stablecoins","accepting bank transfers in stablecoins",".",[24,212,214],{"id":213},"how-does-on-ramping-with-pix-work-in-brazil","How does on-ramping with Pix work in Brazil?",[11,216,217,218,224],{},"Pix is the ",[18,219,223],{"href":220,"rel":221},"https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en",[222],"nofollow","Banco Central do Brasil"," instant payment system. It runs 24\u002F7, settles in seconds, and nearly every Brazilian bank account and wallet app supports it.",[11,226,227],{},"For an on-ramp, the payer gets a Pix code: a \"copia e cola\" string or a QR code that already carries the amount and the recipient. They paste it into their bank app, confirm, and it's done.",[11,229,230],{},"What to know:",[29,232,233,244,253],{},[32,234,235,238,239,243],{},[60,236,237],{},"Payer allowlist."," BlindPay Pix quotes take ",[240,241,242],"code",{},"pix_allowed_tax_ids",", the CPF or CNPJ numbers allowed to pay. They're validated against the Receita Federal check digits when the quote is created, so a mistyped CPF fails immediately instead of at the bank.",[32,245,246,249,250,210],{},[60,247,248],{},"Waiting window."," A Pix payin usually lands within minutes. BlindPay waits up to 30 minutes, runs a reconciliation check, and only then marks it ",[240,251,252],{},"failed",[32,254,255,258,259,262],{},[60,256,257],{},"Large amounts."," For BRL into USDT of $5,000 or more, you can request an OTC quote (",[240,260,261],{},"is_otc: true","), priced through BlindPay's OTC desk. OTC quotes expire in 10 seconds and wait for the deposit until 23:59 São Paulo time. A deposit that never arrives adds a $100.00 penalty to the billing fee, so only quote OTC when the payer is ready.",[24,264,266],{"id":265},"how-does-on-ramping-with-spei-work-in-mexico","How does on-ramping with SPEI work in Mexico?",[11,268,269,270,275],{},"SPEI is Mexico's interbank transfer system, run by ",[18,271,274],{"href":272,"rel":273},"https:\u002F\u002Fwww.banxico.org.mx\u002Fservices\u002Finterbanking-electronic-payme.html",[222],"Banxico",". Like Pix, it runs around the clock and settles in seconds.",[11,277,278],{},"The payer gets an 18-digit CLABE and transfers to it like any other account. There's no QR code and no payer allowlist on the quote, which makes SPEI the simplest of the four to integrate.",[11,280,281,282,285,286,289],{},"The trap is centavos. On BlindPay, a sender-side SPEI quote must be a whole number of pesos: ",[240,283,284],{},"request_amount"," has to be a multiple of 100 in minor units, or the quote fails with ",[240,287,288],{},"request_amount_must_be_a_whole_currency_unit",". If you quote from the stablecoin side instead, the peso amount is rounded down to a whole unit for you.",[24,291,293],{"id":292},"how-does-on-ramping-with-transfers-30-work-in-argentina","How does on-ramping with Transfers 3.0 work in Argentina?",[11,295,296,297,302],{},"Transfers 3.0 is the ",[18,298,301],{"href":299,"rel":300},"https:\u002F\u002Fwww.bcra.gob.ar\u002Fen\u002Ftransfers-3-0\u002F",[222],"Banco Central de la República Argentina"," framework that made transfers interoperable between banks and wallet apps. The payer sends pesos to a CVU (a wallet account), a CBU (a bank account), or an alias.",[11,304,305],{},"On BlindPay, two rules apply:",[29,307,308,322],{},[32,309,310,313,314,317,318,321],{},[60,311,312],{},"CUIT or CUIL is required."," ",[240,315,316],{},"transfers_allowed_tax_id"," names the tax ID allowed to pay, in the ",[240,319,320],{},"20-12345678-6"," format.",[32,323,324,327],{},[60,325,326],{},"Whole pesos only."," Same rule as SPEI.",[11,329,330,331,333],{},"Argentina adds one forgiving behavior. If a Transfers 3.0 deposit arrives after the payin was already marked ",[240,332,252],{},", and no stablecoins were sent yet, BlindPay revives the payin and completes it once the sender's tax ID and amount match. Late payers don't automatically mean a refund.",[24,335,337],{"id":336},"how-does-on-ramping-with-pse-work-in-colombia","How does on-ramping with PSE work in Colombia?",[11,339,340,341,346],{},"PSE, Pagos Seguros en Línea, is Colombia's online bank debit, operated by ",[18,342,345],{"href":343,"rel":344},"https:\u002F\u002Fwww.pse.com.co\u002F",[222],"ACH Colombia",". Instead of pushing money to an account number, the payer opens a payment link, picks their bank, and approves the debit inside the bank's own site, usually with two-factor authentication.",[11,348,349],{},"That redirect means PSE needs more payer data up front. A BlindPay PSE quote requires:",[109,351,352,362],{},[112,353,354],{},[115,355,356,359],{},[118,357,358],{},"Field",[118,360,361],{},"Format",[134,363,364,374,391,401,411,424],{},[115,365,366,371],{},[139,367,368],{},[240,369,370],{},"pse_full_name",[139,372,373],{},"Up to 50 characters",[115,375,376,381],{},[139,377,378],{},[240,379,380],{},"pse_document_type",[139,382,383,386,387,390],{},[240,384,385],{},"CC"," (citizen ID) or ",[240,388,389],{},"NIT"," (tax ID)",[115,392,393,398],{},[139,394,395],{},[240,396,397],{},"pse_document_number",[139,399,400],{},"The document number",[115,402,403,408],{},[139,404,405],{},[240,406,407],{},"pse_email",[139,409,410],{},"The payer's email",[115,412,413,418],{},[139,414,415],{},[240,416,417],{},"pse_phone",[139,419,420,423],{},[240,421,422],{},"+573"," followed by 9 digits",[115,425,426,431],{},[139,427,428],{},[240,429,430],{},"pse_bank_code",[139,432,433],{},"The payer's bank",[11,435,436],{},"Colombian pesos have a much smaller unit value than the other currencies, so the minimum in raw minor units is higher. Read the minimum from the quote error instead of hardcoding it. And quote whole pesos, as with SPEI and Transfers.",[24,438,440],{"id":439},"which-stablecoin-and-network-should-you-deliver-to","Which stablecoin and network should you deliver to?",[11,442,443],{},"Pick the token for the next step and the network for cost and compatibility.",[11,445,446,449,450,454,455,460,461,466],{},[60,447,448],{},"Token."," USDT is widely used across Latin America for savings and peer-to-peer trades. USDC is common for business treasury and for settling with US counterparties. ",[18,451,453],{"href":452},"\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments","USDC vs USDT for payments"," compares them in depth. Both are redeemable with their issuers: ",[18,456,459],{"href":457,"rel":458},"https:\u002F\u002Fwww.circle.com\u002Fusdc",[222],"Circle"," for USDC and ",[18,462,465],{"href":463,"rel":464},"https:\u002F\u002Ftether.to\u002Fen\u002Ftransparency\u002F",[222],"Tether"," for USDT.",[11,468,469,472],{},[60,470,471],{},"Network."," On BlindPay, payins can deliver to:",[109,474,475,488],{},[112,476,477],{},[115,478,479,482,485],{},[118,480,481],{},"Network",[118,483,484],{},"Tokens",[118,486,487],{},"Notes",[134,489,490,501,511,521,532,541],{},[115,491,492,495,498],{},[139,493,494],{},"Solana",[139,496,497],{},"USDC, USDT",[139,499,500],{},"Low fees, fast confirmation",[115,502,503,506,508],{},[139,504,505],{},"Polygon, Ethereum",[139,507,497],{},[139,509,510],{},"Ethereum fees rise when the network is busy",[115,512,513,516,518],{},[139,514,515],{},"Tempo",[139,517,497],{},[139,519,520],{},"EVM chain, same address format",[115,522,523,526,529],{},[139,524,525],{},"Base, Arbitrum, Arc",[139,527,528],{},"USDC",[139,530,531],{},"No USDT",[115,533,534,537,539],{},[139,535,536],{},"Stellar",[139,538,528],{},[139,540,531],{},[115,542,543,546,549],{},[139,544,545],{},"Tron",[139,547,548],{},"USDT",[139,550,551],{},"No USDC; external Tron wallets are in beta",[11,553,554],{},"The network is read from the destination wallet, so you choose it when the wallet is registered, not on each quote.",[24,556,558],{"id":557},"do-you-need-to-pre-fund-a-latin-american-on-ramp","Do you need to pre-fund a Latin American on-ramp?",[11,560,561,562,210],{},"No. The payer's deposit funds the on-ramp. The provider delivers stablecoins after the pesos or reais land, so neither you nor the provider parks a balance in each country in advance. Pre-funding is an off-ramp and payout question, covered in ",[18,563,565],{"href":564},"\u002Fresources\u002Fmore\u002Fno-pre-funding-stablecoin-payouts","what no pre-funding means",[24,567,569],{"id":568},"what-does-a-full-example-look-like","What does a full example look like?",[11,571,572],{},"A US fintech offers dollar balances to small businesses in Brazil, Mexico, Argentina, and Colombia. Each business tops up its balance from its own local bank account, and the balance is USDC on Solana.",[55,574,575,578,581,584,587],{},[32,576,577],{},"Each business onboards through the fintech's signup. The fintech passes the KYB data to the on-ramp API, which registers each business as its own customer.",[32,579,580],{},"Each business's Solana wallet is registered once.",[32,582,583],{},"When a business wants to top up, the fintech requests a quote in that business's currency, with payer rules naming the business's own tax ID.",[32,585,586],{},"The business sees the right instruction inside the fintech's app: a Pix QR code, a CLABE, a CVU, or a PSE button.",[32,588,589],{},"As each deposit lands, USDC arrives in that business's wallet, and a webhook updates the balance in the app.",[11,591,592],{},"Four countries, four rails, one integration, one token on one network. The fintech never opens a bank account in Latin America, and every business that moves money is a verified customer of the on-ramp.",[24,594,596],{"id":595},"how-are-fees-handled","How are fees handled?",[11,598,599,600,603,604,607,608,611,612,616],{},"Every payin quote shows the market rate, the rate with fees, and each fee line before the payer pays. The ",[240,601,602],{},"cover_fees"," flag decides who pays: ",[240,605,606],{},"false"," takes the fee out of the stablecoins delivered, and ",[240,609,610],{},"true"," adds it to the amount the payer sends. A platform can add its own partner fee on top. ",[18,613,615],{"href":614},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained","Crypto on-ramp fees explained"," shows how to compare quotes.",[24,618,620],{"id":619},"where-does-blindpay-fit","Where does BlindPay fit?",[11,622,623],{},"BlindPay collects payins over Pix, SPEI, Transfers 3.0, and PSE, plus TED in Brazil and ACH, ACH pull, domestic wire, RTP, and SWIFT in the US, converts them, and delivers USDC or USDT to the wallet on the quote. Delivery can go to an external wallet the customer controls, so the stablecoins never sit with BlindPay, or to a BlindPay-managed wallet (beta), which BlindPay custodies. Payer rules, whole-unit amounts, and waiting windows are enforced by the API, so most mistakes fail at quote time. The same API pays out over local rails when the money needs to go back to a bank.",[11,625,626,629,630,633,634,638,639,643],{},[60,627,628],{},"When BlindPay is the right fit:"," you collect from businesses or individuals in Brazil, Mexico, Argentina, or Colombia and want stablecoins in a wallet, through one API, with KYC and KYB handled. ",[60,631,632],{},"When it isn't:"," you need local virtual accounts in Latin America today (BlindPay's virtual accounts are US accounts), or card checkout for retail crypto buyers. See ",[18,635,637],{"href":636},"\u002Fdocs\u002Fpayins","payins"," and ",[18,640,642],{"href":641},"\u002Fdocs\u002Fkb\u002Fpayment-methods","payment methods"," for the full reference.",[24,645,647],{"id":646},"what-to-do-next","What to do next",[11,649,650,651,655,656,660,661,210],{},"Pick the one country where most of your payers are and run a single payin end to end on a development instance. Then read ",[18,652,654],{"href":653},"\u002Fresources\u002Fmore\u002Fwhy-crypto-on-ramp-deposits-fail","why crypto on-ramp deposits fail"," before you launch, and check the compliance split in ",[18,657,659],{"href":658},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-compliance-who-owns-what","who owns on-ramp compliance",". For the bigger picture, start at ",[18,662,664],{"href":663},"\u002Fresources\u002Fmore\u002Fbusiness-vs-consumer-crypto-on-ramps","business vs consumer crypto on-ramps",[11,666,667],{},[668,669,670],"em",{},"This article is general information, not legal, tax, or financial advice. Rails, payer requirements, and supported networks change; confirm current details in the docs.",{"title":672,"searchDepth":673,"depth":673,"links":674},"",2,[675,676,677,678,679,680,681,682,683,684,685,686,687],{"id":26,"depth":673,"text":27},{"id":49,"depth":673,"text":50},{"id":103,"depth":673,"text":104},{"id":213,"depth":673,"text":214},{"id":265,"depth":673,"text":266},{"id":292,"depth":673,"text":293},{"id":336,"depth":673,"text":337},{"id":439,"depth":673,"text":440},{"id":557,"depth":673,"text":558},{"id":568,"depth":673,"text":569},{"id":595,"depth":673,"text":596},{"id":619,"depth":673,"text":620},{"id":646,"depth":673,"text":647},"payments","2026-09-28","How Latin American bank payments become USDC or USDT: what each rail shows the payer, the payer data it needs, how fast it lands, and the traps by country.","md",[693,696,699,702,705,708],{"q":694,"a":695},"How do I convert Brazilian reais to USDC?","Use an on-ramp that collects Pix. You request a quote for the BRL amount, the on-ramp returns a Pix code (copia e cola or QR), the payer pays it from their bank app, and the on-ramp delivers USDC or USDT to your wallet once the payment lands. Pix runs 24\u002F7 and usually settles in seconds, so the whole flow takes minutes.",{"q":697,"a":698},"Can I on-ramp Mexican pesos to stablecoins with SPEI?","Yes. The on-ramp gives the payer a CLABE to transfer to, and SPEI moves the pesos in seconds at any hour. After the deposit is matched, the provider converts it and sends USDC or USDT on-chain. Quote whole pesos, since some providers, BlindPay included, reject amounts with centavos on SPEI payins.",{"q":700,"a":701},"How does a crypto on-ramp work in Argentina?","Through Transfers 3.0, the Central Bank of Argentina's interoperable transfer framework. The payer sends pesos to a CVU, CBU, or alias from any bank or wallet app. On BlindPay the payer's CUIT or CUIL is required on the quote, so the deposit can be matched and screened, and amounts must be whole pesos.",{"q":703,"a":704},"How does PSE work for crypto on-ramps in Colombia?","PSE (Pagos Seguros en Línea) is an online bank debit. The payer opens a payment link, picks their bank, and approves the payment in the bank's own site, usually with two-factor authentication. The on-ramp then converts the pesos and delivers stablecoins. Expect to collect the payer's name, document type and number, email, phone, and bank.",{"q":706,"a":707},"Should I use USDC or USDT for a Latin American on-ramp?","It depends on where the money goes next. USDT is widely used for savings and peer-to-peer trades in the region, and on Tron it is often the only option. USDC is common for business treasury and cross-border settlement. Pick the token your recipient's next step expects, and confirm the network supports it before quoting.",{"q":709,"a":710},"Do I need a local bank account in each country to on-ramp?","No. With an on-ramp that collects over local rails, the payer uses their own bank, and the provider handles the local accounts. Your company integrates one API, and the stablecoins arrive in a wallet. You still need each payer to be a verified customer of the provider.",false,{"author":713},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america","---\ntitle: \"How to on-ramp BRL, MXN, ARS, and COP into stablecoins: Pix, SPEI, Transfers 3.0, and PSE\"\nseoTitle: \"How to on-ramp BRL, MXN, ARS, and COP into stablecoins\"\ndescription: \"How Latin American bank payments become USDC or USDT: what each rail shows the payer, the payer data it needs, how fast it lands, and the traps by country.\"\ndate: \"2026-09-28\"\nupdated: \"2026-09-28\"\nauthor: \"BlindPay Team\"\ncategory: \"payments\"\nfaq:\n  - q: \"How do I convert Brazilian reais to USDC?\"\n    a: \"Use an on-ramp that collects Pix. You request a quote for the BRL amount, the on-ramp returns a Pix code (copia e cola or QR), the payer pays it from their bank app, and the on-ramp delivers USDC or USDT to your wallet once the payment lands. Pix runs 24\u002F7 and usually settles in seconds, so the whole flow takes minutes.\"\n  - q: \"Can I on-ramp Mexican pesos to stablecoins with SPEI?\"\n    a: \"Yes. The on-ramp gives the payer a CLABE to transfer to, and SPEI moves the pesos in seconds at any hour. After the deposit is matched, the provider converts it and sends USDC or USDT on-chain. Quote whole pesos, since some providers, BlindPay included, reject amounts with centavos on SPEI payins.\"\n  - q: \"How does a crypto on-ramp work in Argentina?\"\n    a: \"Through Transfers 3.0, the Central Bank of Argentina's interoperable transfer framework. The payer sends pesos to a CVU, CBU, or alias from any bank or wallet app. On BlindPay the payer's CUIT or CUIL is required on the quote, so the deposit can be matched and screened, and amounts must be whole pesos.\"\n  - q: \"How does PSE work for crypto on-ramps in Colombia?\"\n    a: \"PSE (Pagos Seguros en Línea) is an online bank debit. The payer opens a payment link, picks their bank, and approves the payment in the bank's own site, usually with two-factor authentication. The on-ramp then converts the pesos and delivers stablecoins. Expect to collect the payer's name, document type and number, email, phone, and bank.\"\n  - q: \"Should I use USDC or USDT for a Latin American on-ramp?\"\n    a: \"It depends on where the money goes next. USDT is widely used for savings and peer-to-peer trades in the region, and on Tron it is often the only option. USDC is common for business treasury and cross-border settlement. Pick the token your recipient's next step expects, and confirm the network supports it before quoting.\"\n  - q: \"Do I need a local bank account in each country to on-ramp?\"\n    a: \"No. With an on-ramp that collects over local rails, the payer uses their own bank, and the provider handles the local accounts. Your company integrates one API, and the stablecoins arrive in a wallet. You still need each payer to be a verified customer of the provider.\"\n---\n\nTo on-ramp Latin American currency into stablecoins, the payer sends a local bank payment and the provider converts it: Pix in Brazil, SPEI in Mexico, Transfers 3.0 in Argentina, and PSE in Colombia. Each rail shows the payer something different, needs different payer data, and settles in seconds to minutes. Then USDC or USDT lands in a wallet.\n\nMost writing about stablecoins in Latin America covers the other direction: [paying out](\u002Fresources\u002Fmore\u002Fstablecoins-local-rails-latin-america) to a Pix key or a CLABE. This guide covers money coming in, which is where most integrations hit their first surprises.\n\n## Key takeaways\n\n- Every rail hands the payer a different instruction: a Pix code, a CLABE, a CVU or CBU, or a payment link.\n- Instant rails let the on-ramp check who's paying. Expect to collect the payer's tax ID, and for PSE, their full details.\n- Mexican, Argentine, and Colombian pesos are often quoted in whole units only. Centavos can get a payin rejected.\n- The on-ramp is funded by the payer's deposit, so there's nothing to pre-fund.\n- Choose the token and network for where the money goes next, not for where it came from.\n\n## How does a local bank payment become a stablecoin?\n\nThe flow is the same in every country. Only step 3 changes.\n\n1. **Quote.** Your backend asks the on-ramp to convert an amount of local currency into USDC or USDT for a specific wallet. The quote locks the rate and fees for a few minutes and records who is allowed to pay.\n2. **Create the payment.** The on-ramp returns the payment instructions for the rail.\n3. **The payer pays.** From their own bank app, using the Pix code, CLABE, CVU, or link.\n4. **Match.** The on-ramp detects the deposit and matches it to the quote: amount, payer, reference.\n5. **Convert and deliver.** The on-ramp converts the currency and sends the stablecoins on-chain.\n6. **Confirm.** A webhook tells your backend the payment is complete.\n\n[Integrating a crypto on-ramp API](\u002Fresources\u002Fmore\u002Fhow-to-integrate-a-crypto-on-ramp-api) covers the code for each step. The rest of this page is about step 3, rail by rail.\n\n## Which Latin American rails can fund an on-ramp?\n\nFour rails cover BlindPay's payin side in Latin America.\n\n| Country | Rail | What the payer gets | Payer data on the quote | Typical arrival on BlindPay |\n| --- | --- | --- | --- | --- |\n| Brazil | Pix | A Pix code, as copyable text or a QR code | CPF or CNPJ of the allowed payers | Up to 5 minutes |\n| Mexico | SPEI | A CLABE to transfer to | None | Up to 10 minutes |\n| Argentina | Transfers 3.0 | A CVU, CBU, or alias | CUIT or CUIL (required) | Up to 10 minutes |\n| Colombia | PSE | A payment link | Full name, document, email, phone, bank code (required) | Up to 10 minutes |\n\nBrazil also has TED, a wire-style rail that's slower than Pix, which BlindPay enables per instance. And US payers have their own set: ACH, wire, and RTP, plus SWIFT into a US virtual account. Those are covered in [accepting bank transfers in stablecoins](\u002Fresources\u002Fmore\u002Faccept-bank-transfers-settle-in-stablecoins).\n\n## How does on-ramping with Pix work in Brazil?\n\nPix is the [Banco Central do Brasil](https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en) instant payment system. It runs 24\u002F7, settles in seconds, and nearly every Brazilian bank account and wallet app supports it.\n\nFor an on-ramp, the payer gets a Pix code: a \"copia e cola\" string or a QR code that already carries the amount and the recipient. They paste it into their bank app, confirm, and it's done.\n\nWhat to know:\n\n- **Payer allowlist.** BlindPay Pix quotes take `pix_allowed_tax_ids`, the CPF or CNPJ numbers allowed to pay. They're validated against the Receita Federal check digits when the quote is created, so a mistyped CPF fails immediately instead of at the bank.\n- **Waiting window.** A Pix payin usually lands within minutes. BlindPay waits up to 30 minutes, runs a reconciliation check, and only then marks it `failed`.\n- **Large amounts.** For BRL into USDT of $5,000 or more, you can request an OTC quote (`is_otc: true`), priced through BlindPay's OTC desk. OTC quotes expire in 10 seconds and wait for the deposit until 23:59 São Paulo time. A deposit that never arrives adds a $100.00 penalty to the billing fee, so only quote OTC when the payer is ready.\n\n## How does on-ramping with SPEI work in Mexico?\n\nSPEI is Mexico's interbank transfer system, run by [Banxico](https:\u002F\u002Fwww.banxico.org.mx\u002Fservices\u002Finterbanking-electronic-payme.html). Like Pix, it runs around the clock and settles in seconds.\n\nThe payer gets an 18-digit CLABE and transfers to it like any other account. There's no QR code and no payer allowlist on the quote, which makes SPEI the simplest of the four to integrate.\n\nThe trap is centavos. On BlindPay, a sender-side SPEI quote must be a whole number of pesos: `request_amount` has to be a multiple of 100 in minor units, or the quote fails with `request_amount_must_be_a_whole_currency_unit`. If you quote from the stablecoin side instead, the peso amount is rounded down to a whole unit for you.\n\n## How does on-ramping with Transfers 3.0 work in Argentina?\n\nTransfers 3.0 is the [Banco Central de la República Argentina](https:\u002F\u002Fwww.bcra.gob.ar\u002Fen\u002Ftransfers-3-0\u002F) framework that made transfers interoperable between banks and wallet apps. The payer sends pesos to a CVU (a wallet account), a CBU (a bank account), or an alias.\n\nOn BlindPay, two rules apply:\n\n- **CUIT or CUIL is required.** `transfers_allowed_tax_id` names the tax ID allowed to pay, in the `20-12345678-6` format.\n- **Whole pesos only.** Same rule as SPEI.\n\nArgentina adds one forgiving behavior. If a Transfers 3.0 deposit arrives after the payin was already marked `failed`, and no stablecoins were sent yet, BlindPay revives the payin and completes it once the sender's tax ID and amount match. Late payers don't automatically mean a refund.\n\n## How does on-ramping with PSE work in Colombia?\n\nPSE, Pagos Seguros en Línea, is Colombia's online bank debit, operated by [ACH Colombia](https:\u002F\u002Fwww.pse.com.co\u002F). Instead of pushing money to an account number, the payer opens a payment link, picks their bank, and approves the debit inside the bank's own site, usually with two-factor authentication.\n\nThat redirect means PSE needs more payer data up front. A BlindPay PSE quote requires:\n\n| Field | Format |\n| --- | --- |\n| `pse_full_name` | Up to 50 characters |\n| `pse_document_type` | `CC` (citizen ID) or `NIT` (tax ID) |\n| `pse_document_number` | The document number |\n| `pse_email` | The payer's email |\n| `pse_phone` | `+573` followed by 9 digits |\n| `pse_bank_code` | The payer's bank |\n\nColombian pesos have a much smaller unit value than the other currencies, so the minimum in raw minor units is higher. Read the minimum from the quote error instead of hardcoding it. And quote whole pesos, as with SPEI and Transfers.\n\n## Which stablecoin and network should you deliver to?\n\nPick the token for the next step and the network for cost and compatibility.\n\n**Token.** USDT is widely used across Latin America for savings and peer-to-peer trades. USDC is common for business treasury and for settling with US counterparties. [USDC vs USDT for payments](\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments) compares them in depth. Both are redeemable with their issuers: [Circle](https:\u002F\u002Fwww.circle.com\u002Fusdc) for USDC and [Tether](https:\u002F\u002Ftether.to\u002Fen\u002Ftransparency\u002F) for USDT.\n\n**Network.** On BlindPay, payins can deliver to:\n\n| Network | Tokens | Notes |\n| --- | --- | --- |\n| Solana | USDC, USDT | Low fees, fast confirmation |\n| Polygon, Ethereum | USDC, USDT | Ethereum fees rise when the network is busy |\n| Tempo | USDC, USDT | EVM chain, same address format |\n| Base, Arbitrum, Arc | USDC | No USDT |\n| Stellar | USDC | No USDT |\n| Tron | USDT | No USDC; external Tron wallets are in beta |\n\nThe network is read from the destination wallet, so you choose it when the wallet is registered, not on each quote.\n\n## Do you need to pre-fund a Latin American on-ramp?\n\nNo. The payer's deposit funds the on-ramp. The provider delivers stablecoins after the pesos or reais land, so neither you nor the provider parks a balance in each country in advance. Pre-funding is an off-ramp and payout question, covered in [what no pre-funding means](\u002Fresources\u002Fmore\u002Fno-pre-funding-stablecoin-payouts).\n\n## What does a full example look like?\n\nA US fintech offers dollar balances to small businesses in Brazil, Mexico, Argentina, and Colombia. Each business tops up its balance from its own local bank account, and the balance is USDC on Solana.\n\n1. Each business onboards through the fintech's signup. The fintech passes the KYB data to the on-ramp API, which registers each business as its own customer.\n2. Each business's Solana wallet is registered once.\n3. When a business wants to top up, the fintech requests a quote in that business's currency, with payer rules naming the business's own tax ID.\n4. The business sees the right instruction inside the fintech's app: a Pix QR code, a CLABE, a CVU, or a PSE button.\n5. As each deposit lands, USDC arrives in that business's wallet, and a webhook updates the balance in the app.\n\nFour countries, four rails, one integration, one token on one network. The fintech never opens a bank account in Latin America, and every business that moves money is a verified customer of the on-ramp.\n\n## How are fees handled?\n\nEvery payin quote shows the market rate, the rate with fees, and each fee line before the payer pays. The `cover_fees` flag decides who pays: `false` takes the fee out of the stablecoins delivered, and `true` adds it to the amount the payer sends. A platform can add its own partner fee on top. [Crypto on-ramp fees explained](\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained) shows how to compare quotes.\n\n## Where does BlindPay fit?\n\nBlindPay collects payins over Pix, SPEI, Transfers 3.0, and PSE, plus TED in Brazil and ACH, ACH pull, domestic wire, RTP, and SWIFT in the US, converts them, and delivers USDC or USDT to the wallet on the quote. Delivery can go to an external wallet the customer controls, so the stablecoins never sit with BlindPay, or to a BlindPay-managed wallet (beta), which BlindPay custodies. Payer rules, whole-unit amounts, and waiting windows are enforced by the API, so most mistakes fail at quote time. The same API pays out over local rails when the money needs to go back to a bank.\n\n**When BlindPay is the right fit:** you collect from businesses or individuals in Brazil, Mexico, Argentina, or Colombia and want stablecoins in a wallet, through one API, with KYC and KYB handled. **When it isn't:** you need local virtual accounts in Latin America today (BlindPay's virtual accounts are US accounts), or card checkout for retail crypto buyers. See [payins](\u002Fdocs\u002Fpayins) and [payment methods](\u002Fdocs\u002Fkb\u002Fpayment-methods) for the full reference.\n\n## What to do next\n\nPick the one country where most of your payers are and run a single payin end to end on a development instance. Then read [why crypto on-ramp deposits fail](\u002Fresources\u002Fmore\u002Fwhy-crypto-on-ramp-deposits-fail) before you launch, and check the compliance split in [who owns on-ramp compliance](\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-compliance-who-owns-what). For the bigger picture, start at [business vs consumer crypto on-ramps](\u002Fresources\u002Fmore\u002Fbusiness-vs-consumer-crypto-on-ramps).\n\n*This article is general information, not legal, tax, or financial advice. Rails, payer requirements, and supported networks change; confirm current details in the docs.*\n",{"title":5,"description":690},"How to on-ramp BRL, MXN, ARS, and COP into stablecoins","resources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america","4xQwiCp6XzWyykJguMaD-Cmmmtpr-Fsg2hpnViE_qms",[722,726,730,734,738,742,746,750,754,758,762,766,770,774,778,782,786,789,793,797,801,805,809,812,816,820,824,828,829,833,837,841,845,849,853,857,861,865,869,873,877,881,885,889,893,897,901,905,909,913,917,921,925,929,932,936,940,944,948,952,956,960,964,968,971,975,979,983,987,991,995,999,1003],{"path":723,"title":724,"description":725},"\u002Fresources\u002Fmore\u002Fagent-payment-protocols-compared","AP2 vs ACP vs x402: agent payment protocols compared","AP2, ACP, and x402 each verify that an AI agent had permission to spend. Here is what every protocol covers, who backs it, and the reconciliation gap none of them close.",{"path":727,"title":728,"description":729},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-payment-platform-fintech-2026","Best stablecoin payment platforms for fintech in 2026: a US comparison","Seven stablecoin payment platforms compared for US fintechs in 2026: what makes an API production-ready, how each provider handles compliance, settlement speed against ACH, and how to run the evaluation.",{"path":731,"title":732,"description":733},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-payment-providers-2026","Best stablecoin payment providers in 2026: how to choose","How to choose a stablecoin payment provider in 2026: the four provider types, a comparison of 10 options, and the questions that decide the fit.",{"path":735,"title":736,"description":737},"\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments","Blockchain payments explained: how stablecoins move money without correspondent banks","Blockchain payments move a stablecoin on a public ledger instead of messages between banks. How they work, what they cost, and how they compare with SWIFT.",{"path":739,"title":740,"description":741},"\u002Fresources\u002Fmore\u002Fbuild-vs-buy-stablecoin-payments","Build vs buy: should you build stablecoin payouts in-house or use an API?","Building stablecoin payouts in-house means wallets, liquidity, banking partners, licenses, and a compliance program. When building makes sense.",{"path":743,"title":744,"description":745},"\u002Fresources\u002Fmore\u002Fcan-a-virtual-account-replace-a-bank-account","Can a virtual account replace a business bank account? What each one does for cross-border companies","Usually not. A virtual account collects and settles payments; a bank account runs payroll, taxes, and credit. A job-by-job guide for cross-border teams.",{"path":747,"title":748,"description":749},"\u002Fresources\u002Fmore\u002Flatam-payout-liquidity-partner-pix-spei","Choosing a liquidity partner for LatAm payouts: Pix, SPEI, and beyond","How to choose a liquidity partner for payouts into Latin America: how Pix and SPEI work, how a stablecoin liquidity layer replaces local bank accounts, and a checklist for coverage, pricing, and compliance.",{"path":751,"title":752,"description":753},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-mistakes","Common stablecoin payout mistakes: wrong network, expired quotes, and bad bank details","The mistakes that make stablecoin payouts fail or stall: wrong network or token, expired quotes, deposits below minimums, bad bank details, and cut-offs.",{"path":755,"title":756,"description":757},"\u002Fresources\u002Fmore\u002Fcorrespondent-banking-vs-stablecoin-liquidity","Correspondent banking vs stablecoin liquidity: why pre-funding traps your capital","Correspondent banking keeps cross-border payouts liquid by parking cash in nostro accounts in every country. What that trapped capital costs a treasury team, and what stablecoin liquidity changes.",{"path":759,"title":760,"description":761},"\u002Fresources\u002Fmore\u002Fcrypto-payment-processor-for-businesses","Crypto payment processor for businesses: what to compare before you choose","Compare crypto payment processors on six criteria: settlement speed, stablecoins, compliance, dev effort, payout coverage, and pricing. Scorecard inside.",{"path":763,"title":764,"description":765},"\u002Fresources\u002Fmore\u002Fcustodial-vs-non-custodial-off-ramps","Custodial vs non-custodial off-ramps: who holds the money, and what happens if the provider fails","A custodial off-ramp holds your stablecoins; a non-custodial one pulls them only at payout. What changes in insolvency, de-banking, and failed payouts.",{"path":767,"title":768,"description":769},"\u002Fresources\u002Fmore\u002Fcustodial-vs-non-custodial-vs-mpc-wallets","Custodial vs non-custodial vs MPC wallets: how to choose","Custodial, non-custodial, and MPC wallets differ in who holds the keys. Compare control, recovery, risk, and regulation, with product examples for each.",{"path":771,"title":772,"description":773},"\u002Fresources\u002Fmore\u002Fstablecoin-cross-border-payments-savings","How businesses use stablecoins for cross-border payments (and where the savings come from)","Correspondent hops, FX markup, and pre-funding: what stablecoin settlement does to each cost of a cross-border payment, with a $50,000 example to Brazil.",{"path":775,"title":776,"description":777},"\u002Fresources\u002Fmore\u002Fhow-a-stablecoin-payment-works","How does a stablecoin payment move? From bank deposit to local payout, step by step","A stablecoin payment moves in legs: fiat collected, stablecoin settled, fiat paid out. What happens at each step, where delays hide, what recipients see.",{"path":779,"title":780,"description":781},"\u002Fresources\u002Fmore\u002Fcross-border-merchant-payments-without-pre-funding","How global merchants get paid across borders with stablecoins, no pre-funding required","Pre-funding means parking local currency in every market before money moves. Stablecoin virtual accounts remove it. A worked example across 4 countries.",{"path":783,"title":784,"description":785},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-settlement-times","How long does a stablecoin payout take? Settlement times by country and rail","Stablecoin payouts settle in minutes on Pix, SPEI, RTP, and Transfers 3.0, and in 1 to 5 business days on ACH, SEPA, and SWIFT. Full table by rail.",{"path":614,"title":787,"description":788},"How much does a crypto on-ramp cost? Fees, spreads, and how to read a quote","A crypto on-ramp charges through the rate spread, a service fee, the payment rail, and sometimes the network. How each works, and how to read the quote.",{"path":790,"title":791,"description":792},"\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained","How much does a stablecoin off-ramp cost? Fees per transaction vs a bank wire","What a stablecoin off-ramp costs per transaction: network fee, FX spread, percentage and flat fees, worked at $200, $2,000, and $20,000 vs a bank wire.",{"path":794,"title":795,"description":796},"\u002Fresources\u002Fmore\u002Fhow-to-add-stablecoin-payments-to-your-wallet-integration","How to add stablecoin payments to your wallet integration","Connect the wallets you already run to bank deposits and local payouts: register addresses, open virtual accounts, quote, authorize, and track webhooks.",{"path":798,"title":799,"description":800},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-virtual-account-provider","How to choose a virtual account provider: a 12-point checklist for developers and finance teams","Twelve criteria for evaluating a virtual account API, from rails and naming to custody, webhooks, and pricing, plus red flags and a scorecard to copy.",{"path":802,"title":803,"description":804},"\u002Fresources\u002Fmore\u002Fhow-to-choose-on-off-ramp-provider","How to choose the best on\u002Foff ramp provider for your fintech app","Six criteria for evaluating a crypto on\u002Foff ramp provider: corridor coverage, live quotes, fiat settlement speed, licensing, API quality, and liquidity depth. Each with concrete tests to run, a comparison table, and a scoring framework.",{"path":806,"title":807,"description":808},"\u002Fresources\u002Fmore\u002Fhow-to-evaluate-payment-orchestration-platform","How to evaluate a payment orchestration platform for cross-border payments","Six criteria that decide whether an orchestration platform works for cross-border money: rail coverage, compliance per corridor, developer experience, settlement speed, FX transparency, and pricing.",{"path":98,"title":810,"description":811},"How to integrate a crypto on-ramp API: payin quotes, deposit instructions, and webhooks","The on-ramp API flow step by step: verify the customer, pick the wallet, quote, create the payin, show deposit instructions, and handle webhooks.",{"path":813,"title":814,"description":815},"\u002Fresources\u002Fmore\u002Fhow-to-issue-stablecoin-cards-api","How to issue stablecoin-funded cards through an API: a developer's guide","Build vs. buy for stablecoin card issuing, the objects a card issuing API must expose, a step-by-step integration flow, and where KYC and KYB sit in it.",{"path":817,"title":818,"description":819},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-us-bank-account","How to off-ramp USDC to a US bank account: ACH, RTP, or wire","Cashing out USDC or USDT to a US bank account: when ACH, Same Day ACH, RTP, and wire pay out, the cut-offs in ET, the fields you need, and what delays it.",{"path":821,"title":822,"description":823},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-euros-sepa","How to off-ramp USDC to euros over SEPA: networks, IBAN details, and timing","Converting USDC to EUR in a SEPA bank account: which networks work, the IBAN details you need, SEPA vs SEPA Instant timing, limits, and what MiCA changes.",{"path":825,"title":826,"description":827},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdt-latin-america","How to off-ramp USDT to local currency in Latin America","Converting USDT to BRL, MXN, ARS, or COP: which networks work, the payout rail in each country, weekend timing, fees, and the documents a business needs.",{"path":715,"title":5,"description":690},{"path":830,"title":831,"description":832},"\u002Fresources\u002Fmore\u002Fhow-to-send-usdc-to-bank-account-brazil","How to send USDC to a bank account in Brazil","Step-by-step: convert USDC to Brazilian reais and deliver them to a bank account over Pix using a stablecoin payout API. Quote, verify, send, settle in minutes.",{"path":834,"title":835,"description":836},"\u002Fresources\u002Fmore\u002Fhow-to-test-virtual-accounts-sandbox","How to test a virtual accounts API integration before going live","The integration sequence for a virtual accounts API, what a sandbox simulates and what it can't, and a test plan with the statuses and webhooks to expect.",{"path":838,"title":839,"description":840},"\u002Fresources\u002Fmore\u002Fvirtual-account-reconciliation","How virtual accounts automate payment reconciliation (with a worked example)","Virtual accounts match each deposit to a customer by account number, not a free-text reference. A worked example with partial payments and micro-deposits.",{"path":842,"title":843,"description":844},"\u002Fresources\u002Fmore\u002Fstablecoin-api-idempotency-keys","Idempotency keys in a stablecoin API: how to never send the same payout twice","A timeout on a payout call is the most common way to pay someone twice. How idempotency keys prevent it, what replays, what conflicts, and how to retry.",{"path":846,"title":847,"description":848},"\u002Fresources\u002Fmore\u002Fhow-to-integrate-a-stablecoin-api","Integrating a stablecoin API: a developer's guide to cross-border payments with BlindPay","Step-by-step integration of a stablecoin API: authenticate, onboard a customer, create a virtual USD account, quote and send a cross-border payout, and handle signed webhooks. Endpoints, statuses, and SDKs for BlindPay.",{"path":850,"title":851,"description":852},"\u002Fresources\u002Fmore\u002Fliquidity-risk-global-payouts","Managing liquidity risk in global payouts: a practical guide for fintechs and PSPs","Liquidity risk in payouts is the chance funds aren't available at the right rate, in the right currency, when a payout settles. Its four sources and a six-step framework to manage them.",{"path":854,"title":855,"description":856},"\u002Fresources\u002Fmore\u002Fmarketplace-stablecoin-payouts-latam","Marketplace payouts in Latin America: stablecoin rails for sellers in Brazil, Mexico, Colombia, and Argentina","How marketplaces pay sellers, creators, and vendors across Latin America with stablecoin settlement: supported rails (Pix, SPEI, PSE, Argentine transfers), the end-to-end payout workflow, API integration, and what changes for speed, minimums, and FX cost.",{"path":858,"title":859,"description":860},"\u002Fresources\u002Fmore\u002Fnon-custodial-payments-explained","Non-custodial payments: what they are and why they reduce risk for businesses","A non-custodial payment provider moves your money without holding it between payments. Who controls the funds, who carries the risk, and what to ask.",{"path":862,"title":863,"description":864},"\u002Fresources\u002Fmore\u002Fon-off-ramp-liquidity-live-quotes","On\u002Foff ramp liquidity with live quotes: how it works and why it matters","What on\u002Foff ramp liquidity with live quotes means for developers: live quote vs batch rate, the quote ID flow in an API, what happens on expiry, how liquidity depth changes spread by transaction size, rate windows and UX, and a checklist for evaluating a live quote API.",{"path":866,"title":867,"description":868},"\u002Fresources\u002Fmore\u002Fpayment-orchestration-vs-payment-gateway","Payment orchestration vs payment gateway: what's the difference?","A gateway connects you to one processor. An orchestration platform connects to many rails and picks the best path per transaction. The table, the triggers, and a worked USD to BRL example.",{"path":870,"title":871,"description":872},"\u002Fresources\u002Fmore\u002Fstablecoin-api-openapi-sdks","Stablecoin API SDKs: how one OpenAPI spec keeps five languages in sync","BlindPay's stablecoin API is described by one OpenAPI 3.1 spec that drives validation, docs, SDKs for Node, Python, Go, PHP, and Swift, and the MCP server.",{"path":874,"title":875,"description":876},"\u002Fresources\u002Fmore\u002Fstablecoin-api-sla-settlement-finality","Stablecoin API SLAs and settlement finality explained","Stablecoin API uptime numbers cluster near 99.9% for a reason: most providers measure API acceptance instead of the point where money becomes final and spendable.",{"path":878,"title":879,"description":880},"\u002Fresources\u002Fmore\u002Fstablecoin-api-quotes-explained","Stablecoin API quotes explained: expiry, fee direction, and minor units","A stablecoin API quote locks the rate, fees, and amounts for a few minutes. How expiry works, which side pays the fee, and the field that flips meaning.",{"path":882,"title":883,"description":884},"\u002Fresources\u002Fmore\u002Fstablecoin-api-sandbox-vs-production","Stablecoin API sandbox vs production: what testing misses","Most stablecoin API sandboxes pass every integration test and still leave a team unprepared for production, because webhook delivery and idempotent retries are exactly what sandboxes fake or skip.",{"path":886,"title":887,"description":888},"\u002Fresources\u002Fmore\u002Fstablecoin-api-webhooks-reconciliation","Stablecoin API webhooks: signature checks, duplicate events, and reconciliation","How to handle stablecoin API webhooks in production: verify signatures on raw bytes, dedupe retries, never regress a final status, reconcile daily.",{"path":890,"title":891,"description":892},"\u002Fresources\u002Fmore\u002Fstablecoin-fx-slippage-live-quotes","Stablecoin FX slippage: how live quotes turn the quoted rate into the rate you get","FX slippage is the gap between the rate a stablecoin on-ramp or off-ramp shows and the rate that settles. Why quote freshness is a liquidity signal, and how to check a quote-then-execute flow.",{"path":894,"title":895,"description":896},"\u002Fresources\u002Fmore\u002Fstablecoin-cards-latin-america","Stablecoin cards in Latin America: how they work in Brazil, Mexico, Argentina, and Colombia","How USD stablecoin cards work in Brazil, Mexico, Argentina, and Colombia: local card and crypto rules, costs at the point of sale, and when a Pix or SPEI payout fits better.",{"path":898,"title":899,"description":900},"\u002Fresources\u002Fmore\u002Fstablecoin-liquidity-provider-vs-fx-desk","Stablecoin liquidity providers vs traditional FX desks: what finance teams should know","A bank FX desk prices cross-border payouts by relationship. A stablecoin liquidity provider prices them by API. How the two compare on cost, speed, minimums, coverage, and compliance.",{"path":902,"title":903,"description":904},"\u002Fresources\u002Fmore\u002Fstablecoin-payment-fees-vs-card-processing-fees","Stablecoin payment fees vs credit card processing fees: what merchants actually pay","Cards cost merchants 1.5% to 3.5% plus cross-border, FX, and chargeback fees. Stablecoin payments cost cents on-chain plus a sub-percent conversion spread.",{"path":906,"title":907,"description":908},"\u002Fresources\u002Fmore\u002Fstablecoin-payments-guide","Stablecoin payments explained: a guide for businesses","Stablecoin payments move dollar-pegged tokens between parties and settle in minutes, 24\u002F7. How they work, what they cost, and how businesses accept and send them.",{"path":910,"title":911,"description":912},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-statuses-explained","Stablecoin payout statuses explained: processing, on hold, completed, failed, and refunded","What each stablecoin payout status means, which are final, why an on-chain confirmation isn't a completed payout, and how to test every failure.",{"path":914,"title":915,"description":916},"\u002Fresources\u002Fmore\u002Fstablecoin-payroll-latam-contractors","Stablecoin payroll for LATAM contractors: how it actually works in 2026","How US companies pay contractors in Argentina, Brazil, Mexico, and Colombia with stablecoins in 2026: USDC vs USDT, the step-by-step payout flow, US tax reporting, a platform comparison, and how to start.",{"path":918,"title":919,"description":920},"\u002Fresources\u002Fmore\u002Fstablecoin-settlement-for-merchants","Stablecoin settlement explained: how merchants get paid faster than card networks","Stablecoin payments settle in seconds to minutes, final and 24\u002F7. Cards take 1 to 3 business days and wires up to 5. How it works and how to cash out.",{"path":922,"title":923,"description":924},"\u002Fresources\u002Fmore\u002Fstablecoin-virtual-accounts-explained","Stablecoin virtual accounts explained: from bank transfer to wallet balance","A stablecoin virtual account is a bank account in your customer's name whose deposits convert to USDC or USDT. How approval, deposits, and fees work.",{"path":926,"title":927,"description":928},"\u002Fresources\u002Fmore\u002Fstablecoin-virtual-cards-cross-border-payouts","Stablecoin-funded virtual cards vs. traditional virtual cards for cross-border payouts","Stablecoin-funded vs. bank-funded virtual cards for paying contractors and vendors abroad: funding speed, pre-funding, FX cost, settlement finality, and a Brazil walkthrough.",{"path":20,"title":930,"description":931},"Stablecoins plus local rails: how cross-border payments actually land in Latin America","A stablecoin crosses the border in seconds, but the payment lands over Pix, SPEI, or another local rail. How that last mile works in Brazil and Mexico.",{"path":933,"title":934,"description":935},"\u002Fresources\u002Fmore\u002Fstablecoin-vs-swift-b2b-payments","Stablecoins vs SWIFT for B2B cross-border payments: a real comparison","Where SWIFT wires still win, where stablecoin settlement wins, and how to compare the two on cost, speed, traceability, and failure modes for business payments in 2026.",{"path":937,"title":938,"description":939},"\u002Fresources\u002Fmore\u002Fusdc-to-ars-routes-2026","USDC to ARS in 2026: routes, fees, and rules compared","Four ways to convert USDC to Argentine pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with Transfers 3.0. Fees, speed, KYC, and Argentina's PSAV rules compared.",{"path":941,"title":942,"description":943},"\u002Fresources\u002Fmore\u002Fusdc-to-brl-routes-2026","USDC to BRL in 2026: routes, fees, and rules compared","Four ways to convert USDC to Brazilian reais in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with Pix. Fees, speed, KYC, and Brazil's VASP rules compared.",{"path":945,"title":946,"description":947},"\u002Fresources\u002Fmore\u002Fusdc-to-cop-routes-2026","USDC to COP in 2026: routes, fees, and rules compared","Four ways to convert USDC to Colombian pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with PSE. Fees, speed, KYC, and Colombia's VASP rules compared.",{"path":949,"title":950,"description":951},"\u002Fresources\u002Fmore\u002Fusdc-to-mxn-routes-2026","USDC to MXN in 2026: routes, fees, and rules compared","Four ways to convert USDC to Mexican pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with SPEI. Fees, speed, KYC, and Mexico's rules compared.",{"path":953,"title":954,"description":955},"\u002Fresources\u002Fmore\u002Fvirtual-account-deposit-not-received","Virtual account deposit not received? Why deposits get delayed, held, or returned","Why a virtual account deposit is late, on hold, or returned: arrival windows, payin statuses, RFIs, wrong rails, and how to trace a wire or SWIFT payment.",{"path":957,"title":958,"description":959},"\u002Fresources\u002Fmore\u002Fvirtual-account-vs-virtual-iban","Virtual account vs virtual IBAN vs real bank account: what's the difference?","A real account holds funds for one holder. A virtual account routes deposits into a master account. A virtual IBAN is the IBAN version. When to use each.",{"path":961,"title":962,"description":963},"\u002Fresources\u002Fmore\u002Fvirtual-accounts-cross-border-payments","Virtual accounts for cross-border payments: use cases, payment rails, and costs","How virtual accounts let payers abroad pay a local-style account, which rails collect and pay out, what drives the cost, and five questions to ask.",{"path":965,"title":966,"description":967},"\u002Fresources\u002Fmore\u002Fpix-key-cpf-clabe-payout-details","What details do you need to pay someone in Brazil or Mexico? Pix keys, CPF, and CLABE","What a payout to Brazil or Mexico needs from the recipient: Pix key types, CPF and CNPJ formats, the 18-digit CLABE, and the checks that stop a bad payout.",{"path":564,"title":969,"description":970},"What does \"no pre-funding\" mean in a stablecoin API?","No pre-funding means each payout is funded when you send it, not from a balance parked in advance. The three funding models, the math, and what to ask.",{"path":972,"title":973,"description":974},"\u002Fresources\u002Fmore\u002Fwhat-is-a-crypto-on-ramp-and-off-ramp","What is a crypto on-ramp and off-ramp? A guide for fintech builders","A crypto on-ramp converts fiat into stablecoins or crypto; an off-ramp converts them back into fiat in a bank account. How each works step by step, how they differ, which payment methods on-ramps support, and who they are built for.",{"path":976,"title":977,"description":978},"\u002Fresources\u002Fmore\u002Fwhat-is-a-liquidity-market-cross-border-payments","What is a liquidity market in cross-border payments? And why stablecoin liquidity is changing it","A liquidity market in cross-border payments is where the currency to settle a transfer gets sourced. How correspondent banks pre-fund it, and how stablecoin liquidity changes the model.",{"path":980,"title":981,"description":982},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin-offramp","What is a stablecoin off-ramp? How crypto becomes cash","A stablecoin off-ramp converts stablecoins like USDC or USDT back into fiat currency in a bank account. How the conversion works and who regulates it.",{"path":984,"title":985,"description":986},"\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account","What is a virtual account? A plain-English guide for fintech teams","A virtual account is a unique set of bank details that routes incoming payments to one customer or purpose. How it works, who uses it, and where it fits.",{"path":988,"title":989,"description":990},"\u002Fresources\u002Fmore\u002Fwhat-is-payment-orchestration","What is payment orchestration? The routing layer, explained","Payment orchestration is the routing layer between your app and every processor, bank, and rail you use. The five layers, how stablecoin settlement fits, and how it differs from a gateway.",{"path":992,"title":993,"description":994},"\u002Fresources\u002Fmore\u002Fstablecoin-payments-provider-due-diligence","What to ask a stablecoin payments provider: 30 due diligence questions","The questions to ask a stablecoin payments vendor before you sign: licensing, custody, pricing, rails, compliance, failure handling, security, and exit.",{"path":996,"title":997,"description":998},"\u002Fresources\u002Fmore\u002Fhow-to-track-a-crypto-off-ramp-payout","Where is my off-ramp payout? How to track it rail by rail, and what to tell the recipient","Track an off-ramp payout from transaction hash to bank: the reference each rail gives you (Pix E2E ID, SPEI key, ACH trace, UETR) and status copy.",{"path":1000,"title":1001,"description":1002},"\u002Fresources\u002Fmore\u002Fwhy-are-cross-border-payments-slow","Why are cross-border payments slow? Where the days go in an international wire","Most SWIFT payments reach the destination bank within an hour. The days go to cut-offs, correspondent hops, compliance checks, and local crediting.",{"path":653,"title":1004,"description":1005},"Why crypto on-ramp deposits fail: missing references, late transfers, holds, and refunds","Most failed on-ramps fail on the fiat side: a missing reference, the wrong payer, a late transfer, a hold. What happens to the money in each case.",1790867705013]